Home Insurance in Johnstown, Pennsylvania
Homes in Johnstown carry a median value of $45,400 - 62% lower than the Cambria County median.
The typical home in Johnstown was built around 1942. About 75% of homes were built before 1960, about 18 points above Cambria County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Johnstown breaks down to 70% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Johnstown, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Johnstown are owner-occupied.
86% of homes in Johnstown are primarily heated with natural gas.
Cambria County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Cambria County had 561 active NFIP flood policies as of September 2026. See the full Cambria County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $45,400 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cambria County | 561 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)